Your Ottawa insurance broker

New to KBD Insurance? We’re a Canadian, family-run insurance broker with 40+ years in the industry.

KBD provides home, auto, and business insurance to individuals and companies in the provinces of Ontario and Quebec.

Our goal is to make the insurance buying process simple, straightforward, and – who knows – maybe even a little enjoyable!

KBD combines experience and expertise, a young, energetic, and tech-savvy team, and modern, paperless services. You can easily get a quote directly on our website, or by calling our Ottawa office to speak with one of our brokers.

So, with us you get the best of both worlds – whether you prefer an online quote, or personal phone consultation.

KBD offices are based in Ottawa and Montreal, so if you’re looking for home, car or business insurance throughout Ontario and Quebec, KBD has your back.

Questions about Ottawa insurance? Give us a call and we’ll be happy to help you out.

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Good question.

An insurance agent works for and represents one insurance company. They’re only able to offer you insurance products from that particular company. This can limit coverage options and price points.

That said, there are also benefits to a direct insurance company, like 24 hour access to agents at large enterprises, and in some cases the ability to sign up completely online.

On the other hand, an insurance broker represents the client, whether business or individual.

That way, they can get quotes from the different insurance companies that they partner with to find the best policy for you.

So if you know exactly which insurance company you want to go with, direct insurance can be a good option.

But, if you want to be able to shop around for insurance coverage and pricing, a broker would be the best bet. And, if you’re looking for business insurance, brokers are generally the best choice.

Need insurance coverage in Ottawa? KBD can sort out your home, business and car insurance in Ontario and Quebec.

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The KBD Ottawa insurance brokers can provide you with personal and business insurance, including:

• Liability
• Cyber
• Property
• Equipment breakdown
• Builders risk
• Car
• Home
• Tenant
• Condo
• Motorcycle

If you’re located in the provinces of Ontario or Quebec, give KBD a call and we’ll help find the right coverage for your needs.

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Ah. The age-old question! After all, who doesn’t want to save money?

The short answer is, it can be. The long answer? There are a couple different factors to it.

There’s a myth that working with a direct insurance company is cheaper because you avoid additional broker fees.

Well – that’s not quite true.

For example, KBD only charges a broker fee on commercial insurance. If you’re looking for car or home insurance in Ottawa, we can get you multiple quotes to find the best price (broker fee-free).

Another point of confusion is commissions. Do you, as a client, pay the broker’s commissions?

Nope.

Brokers earn commissions, but they aren’t paid by the client, they’re paid by the insurance company.

You can purchase directly through an insurance company, or via a broker. Neither is consistently more or less expensive since rates are always fluctuating industry-wide.

So, when it comes to price, it mainly depends on the policy you purchase.

At the end of the day, it’s our job to find the best coverage for your needs, and that includes the price. Plus, if you ever have a problem making a claim, a broker can be there to negotiate the best outcome for you.

Looking for cheap insurance in Ottawa? Give the team at KBD a call – we’ll help find the most affordable coverage for you.

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When shopping for insurance in the province of Ontario, you can go one of two ways:

• Through an insurance broker (like KBD)
• Directly via an insurance company

Before making your decision, consider what you need and want from your insurance coverage.

For example, if you want a personalised experience and a custom insurance policy, a broker is the way to go.

A broker has the advantage of shopping for quotes from multiple insurance companies, and finding the best option for your situation.

They can also give you updates on the market as it fluctuates, and offer you better rates when they come up.

With a broker, you’ll have someone to call to negotiate for you if you ever have an issue making a claim.

Alternatively, when you purchase insurance directly from a company, they can only offer you their selection of products. This can be a fast way to shop if you already know exactly what you need.

Need an Ottawa insurance broker? Give KBD a call – we’re happy to help!

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If we do say so ourselves – yes! But let’s back up a bit.

If you want a personalised service, pricing and coverage options, plus the flexibility to shop around with multiple insurance companies, an insurance broker is the clear choice.

An insurance broker is also an advantage if you have multiple assets, like homes or cars that need to be insured.

The larger your portfolio, the more you’ll want to make sure that all of your i’s are dotted and t’s are crossed, and a broker can do that for you.

Here are a few other advantages of working with an insurance broker:

• You work with the same person every time. A broker has a vested interest in your insurance profile, and will take time to get to know your situation. With a broker, you don’t have to call and explain your background every time.
• Savings: Your broker can update you on better pricing options, allowing you to save more.
• Custom risk assessment: Your broker will speak with you about mitigating risks in your portfolio based on your specific assets and circumstances, and adjust your policy as needed.
• You save time. We’ll read the fine print, and take care of the drudge work for you.

Ready to speak with a broker? Give the team at KBD a call. We’ll be happy to find the best coverage for you.

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